This all-in-one is not a bad play, it just opens up a lot of different directions, I'm not surprised you're having a hard time deciding on a loan program.i think personally, i would go with a standard fannie/ freddie (if you can swing it) to get the lowest rates, and no "risky features" like rate adjustments, balloons, or prepayment penalties. do the value-add with your own capital a little at a time, and use the rental-side to subsidize your housing costs. 

Technically, it wasn't on record as a 3 bedroom, but it had all the features of it.

You will have a lot of firsts in your new feature, I hope you can take them with excitment. 

It's generally almost always worth it to improve your properties with nice finishes in these types of areas for two main reasons:1) You will actually be able to charge more for higher end finishes and features.

I've had several such experiences where some feature of the property should have set off warning bells, leading to a more competent inspector either catching a problem outright or warning me to look into it further.

The generous sized living, dining and kitchen feature brand new shaker cabinets, quartz counters and SS appliances.

The inviting covered front porch draws you in to the open living room with spacious dining & brand new beautiful kitchen featuring white shaker cabinets, quartz counters & SS appliances.

Step into the open concept living with contemporary kitchen featuring quartz counter tops, ss appliances, spacious island with tile backsplash.

The bright and open floor plan features vaulted ceilings, recessed lighting, a gas fireplace, and access to a deck, expanding the length of the living and dining room, perfect for entertaining.

I am currently pulling lists from BatchLeads and I am aware of the feature that shows DNC and known litigators.